Bay County SHIP Rehabilitation Program

Bay County / Florida Housing Finance Corporation

Available Home Repair

About This Program

State Housing Initiatives Partnership program providing forgivable loans for rehabilitation of owner-occupied homes in Bay County. Loan is forgiven after 5 years of continued owner occupancy. Income limits apply based on household size.

Forgivable loan amount based on scope of needed repairs, forgiven after 5 years

Key Details

  • Forgivable loan up to $50,000 for home rehabilitation
  • Must be owner-occupied in Bay County
  • Income at or below 140% AMI
  • Loan forgiven after 5 years of compliance
  • Covers major systems and structural repairs

How to Apply

A grant-savvy contractor in Callaway, FL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Rolling applications, check for current funding cycle

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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